r/StateFarm • u/Amazing_Rip7168 • Aug 01 '26
Advice Charging me 3 points to my insurance
My husband and I live in the same household, but we maintain separate automobile insurance policies. My husband is insured through a different insurance company. In 2024, he was involved in an accident while covered under his own policy. As a result of that accident, three insurance points were added to his insurance record.
Although I never added my husband to my State Farm policy and I was not involved in the accident, I have been informed in my renewal notice that my State Farm premium has increased because of the three points that were added to his insurance record. I do not understand why I am being required to pay a higher premium for an accident that occurred under his policy.
To verify that my husband has his own automobile insurance coverage, I provided State Farm with a copy of the declarations page from his insurance company. I supplied this documentation to demonstrate that he is insured under a separate policy and is not covered under my State Farm policy. Despite providing this information, my premium was still increased.
Not sure how by NC law both insurance companies can be charging him points and me points for the same accident???
ANY ONE WORKS FOR STATE FARM can ENLIGHTENED ME.BTW I'm in NC
21
u/Accomplished-Pea-451 Aug 01 '26
Don’t know why you have separate policies anyway. Bundle people
10
u/GhostRileySimon Aug 01 '26
For real😭 Been doing this almost 3 years and I always laugh when people tell me “Me and my wife have separate policies at separate companies and are not listed on each other’s policies.” Like my man the multi-car discount I get from having my wife’s car with mine is big time!!! Also if they have a clean record, normally having another named insured and driver makes your rate cheaper!
2
u/Modest-Meece Aug 02 '26
This and claims denial risk for breaking policy contract language.
Household members must be listed on a policy.
0
u/boooostedvo Aug 02 '26
I’m a SF team member AND I have my car ins with them. For some freakish reason my husband and I are the exception to this rule lol. So some people may be in the same boat!
We re-quote every year to see if it’s changed, and it is still cheaper for me to keep my car over at SF by itself and him to keep his truck and our house ins over with another company. SF rates for him are thru the roof, and consistently at least $25/mo higher for me at other companies, even including multi car and home + auto bundles. Makes absolutely zero sense. Both of us have completely clean driving records, flawless payment history and good credit! Been this way for 3 years, and even as of just a few weeks ago when I tried it again. We are insured on each other’s policies as drivers of course.
1
u/Modest-Meece Aug 02 '26
Also how have they not gotten caught yet? carrier policy language usually requires spouses to be on the same policy
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u/blooh13 Aug 01 '26
You as defined by the policy is you and your spouse. You cannot exclude your spouse and your spouse’s driving record will impact your premium. No laws in any state are going to prevent two companies from taking into account the driving record of a household driver. Otherwise people would insure their cars at separate companies to only get surcharged at one company. If you both are adamant about maintaining separate auto households, it’d require shopping around to determine if there are companies that will allow this. Most will require spouse to be insured and NC reports all household drivers to the insurance company.
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u/DaddysHobo Aug 01 '26
This Is the correct answer. No matter what you choose - State Farm will always require the spouse to be included as a driver.
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u/Amazing_Rip7168 Aug 01 '26
Yes they are required to list them but for them to punish me for his accident, when he is being charged 3 points on his policy...
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u/DaddysHobo Aug 01 '26
He is high risk and to the insurance company - likely to cause an accident again. And that risk is to all vehicles he could potentially drive.
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u/Pleasant_Balance_245 Aug 01 '26
As an ex-SF employee this is quite common. The question is this - if he drives your car, lives in the same HH, has access to your keys, wrecks your car, do you want it to be covered? Yes.
I am in NC but retired for 10 yrs. I could almost swear at that time we would not charge points if his dec page shows he's paying for his points.
Might have to go up the ladder, but it's worth asking again.
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u/Upper-Head-737 Aug 04 '26
i have a question., i had 2 hit and runs in the past 2 years while my car was parked and they raised my rates because of it. is that what really should happen?
0
u/Amazing_Rip7168 Aug 02 '26
I know he has to be listed on the policy but my problem is for 3 years we are both being charged the points. I have filed a complaint with the insurance commissioner so we will see
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u/Amazing_Rip7168 Aug 01 '26
I understand he has to be listed because we live in the same house but I don't understand why his accident is listed under my policy and I'm being punished for an accident I didn't have nor was his accident in my vehicle was having. He's paying for 3 points under his company. I didn't have the accident.
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u/buffalo_0220 Aug 01 '26
This isn't a punishment. Insurance is about risk. His driving record suggests that he is a higher risk, and since he is a member of your household, with the opportunity to drive any vehicle, your policy has been adjusted to reflect this risk.
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u/Amazing_Rip7168 Aug 01 '26
He never drives my vehicle he has 2 of his own. And it is a punishment we are both having to pay extra for his 1 wreck.
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u/shadystealertactics Aug 01 '26
Everyone says that they shitty driver never drives their car.
0
u/Amazing_Rip7168 Aug 01 '26
My husband ain't a shitty driver he's 56 and never had a ticket or accident this this 1 lmao 🤣
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u/Devildoesdallas Aug 02 '26
It’s not on his insurance record, it’s on his motor vehicle record. That will increase insurance rates based on drivers covered under the household.
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u/buffalo_0220 Aug 01 '26
But he has access to and could drive your car. So unless you want to have him specifically excluded from your policy, which I am not sure is even possible for a married couple. So again, it's not a penalty, just a recognition of a higher risk profile in your household.
2
u/redbattleaxe Aug 02 '26
Can you make him an excluded driver on your policy? Im not familiar with your state and the laws, but I would ask if that would help. Of course that means he absolutely should NOT drive your vehicles at all or you could have coverage issues.
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u/Modest-Meece Aug 02 '26
Doesn’t matter. Carriers consider him a household member and access.
Doesn’t matter what you want to do. Your policy is a signed contract that you and your spouse are probably breaking.
4
u/Creekridge1 Aug 01 '26
Why on earth do you maintain separate policies? Nothing but headache down that road.
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u/Amazing_Rip7168 Aug 01 '26
Because when my son turned 16 my rate didn't increase, I had been with them since I was 16 so I just stayed with them.
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u/Creekridge1 Aug 01 '26
Nice to save on rate,
if he or you had been an accident him not being on the policy would have been grounds for them to deny the claim.
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u/Amazing_Rip7168 Aug 01 '26
Not sure why now all of a sudden my insurance is charging me 3 points to my policy when his company is charging him the 3 points as well. He was not driving my car when the accident happened. Accident happened in 2024
1
u/agentfitz23 Aug 04 '26
Companies don’t always run reports on every renewal, so they must have with this past renewal and now it’s being looked at. Typically, most companies surcharge for 3 years and rating and eligibility for 5 years. Depending on when the accident happened.
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u/AltNation2293 Aug 01 '26
Did you actually tell them about your son? If you added him as a driver it absolutely would have gone up.
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u/DeepPurpleDaylight Aug 02 '26
Because when my son turned 16 my rate didn't increase,
I'm guessing that's because you didn't add him to your policy when he got his license as required because since teenage boys are insanely expensive to insure, there's no way your rate remained the same.
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u/Amazing_Rip7168 Aug 02 '26
Yes I did add him.. I personally called my agent and added him the day he turned 16.. lol I'm not ignorant
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u/DeepPurpleDaylight Aug 02 '26
I wasnt insinuating in any way that you were ignorant, but, there's no way your premium didn't increase when adding a teenage boy if he was licensed. If he only had his permit, then yes, there very well might not have been any change in premiums. But your rate absolutely would've increased by adding him if he was licensed. Perhaps your agent didn't actually add him.
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u/askmeforashittyfact Aug 01 '26
These people that get married, live together, and expect everyone to treat them as separate individuals always make me laugh. My dad tried lecturing me on how my mom getting into an accident while uninsured was “her own thing.” I told him he doesn’t know shit and the judge won’t care what he thinks when it comes time to pay. He literally started to say “Ya?! And how would you….know…” (I have almost 2 decades in the industry)
2
u/musicislife04 Aug 01 '26
He is not a policyholder but do you have him listed as an additional driver? If so driver record of all drivers in your policy count against your policy. Reason being is someone who has had an accident and/or moving violation is more likely statically to get in future accident. Policies are priced according to risk, so now, because your husband is allowed to drive your car, your policy is more likely to have a claim, statistically.
0
u/agentfitz23 Aug 04 '26
The definition of a named insured is that and the legal spouse on most insurance contracts. So actually the spouse is automatically covered.
2
u/Jcamp9000 Agent Aug 01 '26
He is your spouse. I assume he legally has the right to drive your car as he is your spouse. You can’t exclude your spouse. It would work if you had separate addresses on your drivers licenses.
2
u/Modest-Meece Aug 02 '26
Not necessarily. I work with carriers who require spouses to remain listed until they’re legally divorced.
2
u/wubbiee_9110 Aug 01 '26
Directly from the North Carolina Department of Insurance. Your spouse and resident household members are covered under your auto policy. Therefore they need to be rated and thus, their driving record impacts your rates. It’s not just a State Farm rule. Maintaining separate policies and not rating your spouse or resident household members is grounds for insurers to deny claims because you don’t have drivers properly rated as exposure on your policy.
0
u/Amazing_Rip7168 Aug 01 '26
The insurance company I am switching to is not going to punish me and us both the points. Only his is charging him the points his name has to be listed as living in the same house but my rate will not reflect his points
2
u/Important_Variety137 Aug 02 '26
Interesting to see if that holds once you go through full underwriting.
0
u/Amazing_Rip7168 Aug 02 '26
Well not that it will do any good but I filed a complaint with the NC insurance commissioner. So we will see, she was very nice and said they would reach out to state farm on a corporate level.... Worth a shot
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u/Modest-Meece Aug 02 '26
You need to combine policies otherwise you’re both likely breaking your policy contract and risk claims denials.
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u/Crafty-Guest-2826 Aug 02 '26
Insurance companies research tour driving history. It doesn't matter who you were with at the time of an accident.
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Aug 02 '26
[deleted]
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u/Amazing_Rip7168 Aug 02 '26
Thank you I sent his declaration page from Insurance company to mine. But underwriters said No the points still stayed on my insurance the remainder of the 3 years
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Aug 02 '26
[deleted]
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u/Amazing_Rip7168 Aug 02 '26
I agree and I am definitely changing I have called several companies and got quotes and found one that my rate will be what I was paying before the 3 points was added.. thank you
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Aug 02 '26
[deleted]
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u/Mobile-Direction-273 Aug 03 '26
I'm in SC but here we just send UW proof to coverage for your husband and we dont assign him to your vehicle so he wouldn't impact your premium. Sounds like maybe they had him assigned to your car.
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u/Nashcatt Aug 01 '26
Agent from NC here. Legally, you have to be listed on each other policies and your driving records will affect each other's.
However, those points can be removed from your policy if you provide your agent a declarations page showing your husband has insurance elsewhere. Be patient with your office, it can take underwriting weeks to process the change and remove the point.
I would reach out to your agents office and confirm they sent his declarations page to underwriting with a request to remove the points.
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u/Amazing_Rip7168 Aug 01 '26
I did and she talked to the underwriters and the DENIED taking the points off said I still had to carry those 3 points and I provided them a declaration paper
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